Abstract
Lending to conventional banks is an activity that will generate profits for the banks, and with credit, it can improve the welfare of people in a country. The purpose of this study is to determine the effect of Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Return on Assets (ROA), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR) on credit disbursement at conventional banks period year 2015-2019. This study uses quantitative data types with associative methods. The sample is 24 banks with a purposive sampling method. The data analysis technique used is multiple linear regression using the SPSS software application. The results show that TPF and LDR had a positive and significant effect on lending. CAR, ROA, and NPL did not affect distribution credit. However, simultaneously the independent variables affect the dependent variable (credit distribution). Banks as providers of funds must pay attention to the factors that influence lending so that both banks, users of funds, and the government can benefit from the provision of these funds.
Sign-in/Register to access full text options 
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a callDisclaimer: All third-party content on this website/platform is and will remain the property of their respective owners and is provided on "as is" basis without any warranties, express or implied. Use of third-party content does not indicate any affiliation, sponsorship with or endorsement by them. Any references to third-party content is to identify the corresponding services and shall be considered fair use under The CopyrightLaw.
